Summary
AFAIRZON is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €2.0m and a net result of €245,635. Equity is growing by ~22% per year across the filed fiscal years. Its solvency ranks better than 95% of 2413 sector peers (fiscal year 2025). The company has been active since 2015 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The Checked score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
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Signals
1 signal. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 30-06-2025 was due by 31-01-2026 and was filed on 13-11-2025, 79 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
79 d early
2024
95 d early
2023
70 d early
2022
27 d early
2021
96 d early
2020
54 d early
2019
72 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 7 accounts on average 70 days before the deadline; the sector median for financial year 2024 is 14 days before the deadline, and 28% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 30-06-2026 and is due by 31-01-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
30-06-2026 close27-09-2026 today31-01-2027 deadline
History
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Financials · fiscal year 2025, full schema
Equity
€2.0m▲ 14.0%
2024 · €1.8m
Net result
€245,635▲ 11.6%
2024 · €220,062
Total assets
€2.0m▲ 13.7%
2024 · €1.8m
Solvency
99.7%▲ 0.3pp
2024 · 99.4%
Trend over the years
Click a name to add, emphasise or remove a line.
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€480,349▲ 2.0%€318,570▼ 33.7%€367,401▲ 15.3%€277,569▼ 24.5%€337,215▲ 21.5%
Net result€348,721▲ 10.3%€250,549▼ 28.2%€282,851▲ 12.9%€220,062▼ 22.2%€245,635▲ 11.6%
Equity€1.0m▲ 53.4%€1.3m▲ 25.0%€1.5m▲ 22.6%€1.8m▲ 14.3%€2.0m▲ 14.0%
Total assets€1.1m▲ 52.4%€1.5m▲ 45.8%€1.8m▲ 17.8%€1.8m▼ 2.9%€2.0m▲ 13.7%
Debt€55,860▲ 36.6%€289,644▲ 419%€281,846▼ 2.7%€9,710▼ 96.6%€5,657▼ 41.7%
Working capital€352,329▼ 46.1%€137,718▼ 60.9%€393,455▲ 186%€630,809▲ 60.3%€917,030▲ 45.4%
Solvency94.7%▲ 0.6pp81.2%▼ 13.5pp84.5%▲ 3.3pp99.4%▲ 15.0pp99.7%▲ 0.3pp
Why a figure moved sharply
- 2021 Equity +53%, Total assets +52% on 2020. Cause not known from the registers.
Result per fiscal year
Operating resultNet result
The operating result recovers in 2025; 2025 is 21% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €2.0m
Fixed assets
€1.1m ▼ 3.6%
Current assets
€922,688 ▲ 44.1%
Equity and liabilities €2.0m
Equity
€2.0m ▲ 14.0%
Debt
€5,657 ▼ 41.7%
Debt's share of the balance-sheet total falls from 0.6% to 0.3%. Equity is higher and debt is lower.
Key figures and ratios
ROE
12.3%▼
2024 · 12.5%
ROA
12.2%▼
2024 · 12.5%
Debt ≤ 1 year
€5,657▼
2024 · €9,710
Income taxes
€116,893▲
2024 · €74,524
A ratio outside any meaningful range has been withheld (balance sheet total €2.0m, equity €2.0m).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €10,201 | €120,994 | €37,186 | €39,739 | €40,587 | ▲ 2.1% |
| Other operating charges640/8 | - | €853 | €2,459 | €5,126 | €5,965 | ▲ 16.4% |
| Gross operating margin9900 | €490,897 | €440,416 | €407,045 | €322,434 | €383,767 | ▲ 19.0% |
| Operating profit (loss)9901 | €480,349 | €318,570 | €367,401 | €277,569 | €337,215 | ▲ 21.5% |
| Financial income75/76B | - | €20,000 | €20,001 | €20,012 | €25,388 | ▲ 26.9% |
| Recurring financial income75 | €30,000 | €20,000 | €20,001 | €20,012 | €25,388 | ▲ 26.9% |
| Financial charges65/66B | - | €4,504 | €8,489 | €2,996 | €77 | ▼ 97.4% |
| Recurring financial charges65 | €232 | €4,504 | €8,489 | €2,996 | €77 | ▼ 97.4% |
| Profit (loss) for the period before taxes9903 | €510,117 | €334,065 | €378,913 | €294,586 | €362,527 | ▲ 23.1% |
| Income taxes67/77 | €161,396 | €83,516 | €96,061 | €74,524 | €116,893 | ▲ 56.9% |
| Profit (loss) for the period9904 | €348,721 | €250,549 | €282,851 | €220,062 | €245,635 | ▲ 11.6% |
| Profit (loss) for the period to be appropriated9905 | €348,721 | €250,549 | €282,851 | €220,062 | €245,635 | ▲ 11.6% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €1.1m | €1.5m | €1.8m | €1.8m | €2.0m | ▲ 13.7% |
| Fixed assets21/28 | €649,971 | €1.1m | €1.1m | €1.1m | €1.1m | ▼ 3.6% |
| Tangible fixed assets22/27 | €649,854 | €1.1m | €1.1m | €1.1m | €1.1m | ▼ 3.6% |
| Land and buildings22 | - | €1.1m | €1.1m | €1.1m | €1.1m | ▼ 3.1% |
| Furniture and vehicles24 | - | €15,151 | €4,166 | €14,349 | €7,683 | ▼ 46.5% |
| Financial fixed assets28 | €117 | €117 | - | - | - | - |
| Current assets29/58 | €408,190 | €423,064 | €668,854 | €640,519 | €922,688 | ▲ 44.1% |
| Amounts receivable within one year40/41 | €304,355 | €304,086 | €297,267 | €278,854 | €283,124 | ▲ 1.5% |
| Trade receivables40 | - | €67,602 | €46,848 | €52,943 | €45,654 | ▼ 13.8% |
| Other amounts receivable41 | - | €236,484 | €250,418 | €225,911 | €237,470 | ▲ 5.1% |
| Current investments50/53 | - | - | - | - | €300,000 | - |
| Cash at bank and in hand54/58 | €93,835 | €108,220 | €361,225 | €350,557 | €323,242 | ▼ 7.8% |
| Deferred charges and accrued income490/1 | - | €10,759 | €10,363 | €11,109 | €16,322 | ▲ 46.9% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €1.1m | €1.5m | €1.8m | €1.8m | €2.0m | ▲ 13.7% |
| Equity10/15 | €1.0m | €1.3m | €1.5m | €1.8m | €2.0m | ▲ 14.0% |
| Contributions10/11 | - | €18,550 | €18,550 | €18,550 | €18,550 | = |
| Reserves13 | €641,855 | €641,855 | €641,855 | €641,855 | €887,490 | ▲ 38.3% |
| Non-distributable reserves130/1 | - | €1,855 | €1,855 | - | - | - |
| Reserves not available under the articles1311 | - | €1,855 | €1,855 | - | - | - |
| Distributable reserves133 | - | €640,000 | €640,000 | €641,855 | €887,490 | ▲ 38.3% |
| Profit (loss) carried forward14 | €341,896 | €592,445 | €875,296 | €1.1m | €1.1m | = |
| Amounts payable17/49 | €55,860 | €289,644 | €281,846 | €9,710 | €5,657 | ▼ 41.7% |
| Amounts payable within one year42/48 | €55,860 | €285,346 | €275,399 | €9,710 | €5,657 | ▼ 41.7% |
| Financial debts43 | - | €250,000 | €250,000 | - | - | - |
| Other loans439 | - | €250,000 | €250,000 | - | - | - |
| Trade debts44 | €24,464 | €26,098 | €9,212 | €9,710 | €5,657 | ▼ 41.7% |
| Suppliers440/4 | - | €26,098 | €9,212 | €9,710 | €5,657 | ▼ 41.7% |
| Taxes, remuneration and social security45 | - | €9,248 | €16,187 | - | - | - |
| Taxes450/3 | - | €9,248 | €16,187 | - | - | - |
| Accrued charges and deferred income492/3 | - | €4,298 | €6,447 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €348,721 | €250,549 | €282,851 | €220,062 | €245,635 | ▲ 11.6% |
| + Depreciation and write-downs630 | €10,201 | €120,994 | €37,186 | €39,739 | €40,587 | ▲ 2.1% |
| Operating cash flow (approximation) | €358,922 | €371,543 | €320,037 | €259,800 | €286,222 | ▲ 10.2% |
| Investment in fixed assets (approximation) | - | -€590,452 | -€66,449 | -€16,000 | €0 | ▲ 100% |
| Change in cash | - | €14,385 | €253,005 | -€10,668 | -€27,315 | ▼ 156% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
13-11
NBB filing
Annual accounts filed
fiscal year 2025 · full schema
30-06
Financial
Liquidity doublescurrent ratio 163.10
Current ratio from 65.96 to 163.10; short-term debt falls from €9,710 to €5,657.
30-06
Financial
Equity above €2mEq €2.0m ▲14%
7 profitable years in a row build equity to €2.0m.
2024
28-10
NBB filing
Annual accounts filed
fiscal year 2024 · full schema
30-06
Financial
Weakest financial yearnet €220,062 ▼22.2%
Net result drops to €220,062, the lowest in the series; recovery starts the following year.
30-06
Financial
Liquidity times 27current ratio 65.96
Current ratio from 2.43 to 65.96; short-term debt falls from €275,399 to €9,710.
2023
22-11
NBB filing
Annual accounts filed
fiscal year 2023 · full schema
04-01
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2021
27-10
NBB filing
Annual accounts filed
fiscal year 2021 · full schema
30-06
Financial
Highest result since 2019net €348,721 ▲10.3%
Operating result €480,349, net result €348,721, both a record.
30-06
Financial
Equity above €1mEq €1.0m ▲53.4%
3 profitable years in a row build equity to €1.0m.
2020
08-12
NBB filing
Annual accounts filed
fiscal year 2020 · full schema
Show earlier events
30-06
Financial
Liquidity times 6current ratio 16.97
Current ratio from 3.08 to 16.97; short-term debt falls from €161,859 to €40,906.
30-06
Financial
Equity above €500,000Eq €653,580 ▲93.6%
2 profitable years in a row build equity to €653,580.
2019
20-11
NBB filing
Annual accounts filed
fiscal year 2019 · full schema
2018
24-10
NBB filing
Annual accounts filed
fiscal year 2018 · full schema
2017
29-11
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2016
12-12
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 6 acts read
About the unread acts
We know of 6 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
6 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Mons · 1 establishment unit since 2015
Ground area
9,832 m²
Building footprint
1,697 m²
Volume, LiDAR
51,701 m³
Parcel 53019E0429/02N002, Wallonia · tallest building 34.3 m, ±10 floors. Linked by address, not a title deed.
4
companies at this address
See who is registered here
1 establishment unit
AFAIRZON
since 20152.240.548.956
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 53019E0429/02N002 | Wallonia | 9,832 m² | 1 · 1,697 m² | 34.3 m · 10 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 24,729 companies in sector 64210 we hold annual accounts for 19,773. 10,935 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded11-02-2015
Fiscal year end30-06
Activities, NACEBEL 2025
64210Activities of holding companies
64999Other financial services
68110Buying and selling of own real estate
70200Business and other management consultancy
82990Other business support services
E-invoicing
Reachable via Peppol
Peppol ID
0208:0597883155
Registered
09-12-2025
Register as of 27 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.